PacificSource
PacificSource is leaving Oregon's individual health insurance market for 2027. Affected members may be matched to a plan from another insurance company.
2027 Carrier & Plan Changes
Oregon Health Insurance Plan Changes for 2027
Did you receive a notice that your 2026 health plan is changing or will not be available in 2027? Start here to understand Oregon's carrier changes, automatic re-enrollment, and what to review before choosing coverage.
A matched plan helps maintain coverage—it does not make the decision for you. If your current plan is affected, Explore Health may match you with another 2027 plan. You can still compare the other Marketplace plans available in your area during Open Enrollment.
What's changing in Oregon for 2027?
Oregon's individual health insurance market has significant carrier changes for 2027. PacificSource and Providence will no longer offer individual-market plans anywhere in Oregon. Moda will no longer offer individual-market plans in Crook, Deschutes, Klamath, Lake, Marion, Polk, Umatilla, and Union counties.
Providence
Providence is leaving Oregon's individual health insurance market for 2027. Affected members may be matched to a plan from another insurance company.
Moda
Moda remains available in parts of Oregon, but not in eight counties for 2027—including Marion and Polk. The replacement depends on the member's county and current plan.
Where you live matters. The same 2026 plan can be matched to different 2027 plans in different counties. Use your notice and the official Oregon crosswalk information for your specific situation.
What is automatic re-enrollment?
When a 2026 plan will not be available for 2027, Oregon may match the enrollee with another available plan to help prevent a gap in coverage. This matching process is sometimes called a plan crosswalk.
Automatic re-enrollment is a continuity safeguard. It does not mean the matched plan is identical to your 2026 coverage or that you have to choose it without comparing your other available options.
Before relying on a matched plan, check these things
Doctors & hospitals
Verify the providers and facilities you use in the network for the specific 2027 plan.
Prescriptions
Check the 2027 formulary, drug tier, pharmacy network, and any coverage requirements.
Premium after financial help
Compare what your household would actually pay after available Marketplace financial assistance.
Deductible & cost sharing
Review deductibles, copays, coinsurance, and the maximum out-of-pocket—not just the monthly premium.
Plan & network type
A new insurance company or network can change where and how you receive non-emergency care.
Household information
Make sure your household, income, and other coverage information is current before relying on your eligibility results.
Marion & Polk Counties
Important Salem Health network change for 2027
If you live in Marion or Polk County and currently use Salem Health, pay especially close attention to the provider network for 2027.
Salem Health will not be in network with any individual-market health plan available in Marion or Polk County for 2027. This means a plan match can maintain insurance coverage without maintaining the same in-network access to hospitals, clinics, or providers you used in 2026.
Check the specific plan before enrolling. Verify the doctors, hospitals, clinics, and other providers that matter to you. Emergency care is subject to different protections and network rules; this concern is primarily about planned and non-emergency in-network care.
2027 network information reviewed October 2026 based on annual carrier training and current carrier network information. Provider contracts and networks can change; verify participation with the specific plan before receiving non-emergency care.
What should I do if I received a notice?
- Keep the notice from your insurance company or Marketplace.
- Identify the exact 2026 plan listed on the notice.
- Identify the 2027 plan you have been matched with, if applicable.
- Check your doctors, hospitals, and prescriptions against the specific 2027 plan.
- Update your household and expected income information.
- Compare the matched plan with the other 2027 Marketplace plans available where you live.
- Select your coverage by the applicable enrollment deadline.
2027 Open Enrollment: November 1, 2026 through January 15, 2027. Enroll by December 31, 2026 for coverage beginning January 1, 2027.
Official Oregon resources
Oregon publishes the official automatic re-enrollment information and 2026–2027 plan crosswalk. Use these resources to confirm the state's match for your current plan and county.
Sources: Oregon Health Authority / Oregon Health Insurance Marketplace automatic re-enrollment and plan crosswalk information, Explore Health renewal guidance, and 2027 enrollment dates. Last reviewed October 5, 2026.
Not sure what your 2027 plan change means?
If your current insurance company or plan will not be available in 2027, I can help you understand the plan you've been matched with and compare the other individual Marketplace plans available in your area—including doctors and hospitals, prescriptions, premiums, deductibles, and financial assistance.